Call reports 2002
MAIN STREET BANK & TRUST — 2002
What MAIN STREET BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 588,519,000 | 648,792,000 | 650,306,000 | 675,289,000 |
| Total loans | 377,481,000 | 423,627,000 | 422,582,000 | 408,455,000 |
| Allowance for loan losses | 5,158,000 | 5,736,000 | 5,773,000 | 5,567,000 |
| Securities available for sale | 113,173,000 | 135,804,000 | 139,224,000 | 133,040,000 |
| Securities held to maturity | 42,740,000 | 41,509,000 | 47,560,000 | 51,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,486,000 | 523,292,000 | 527,243,000 | 533,402,000 |
| Interest-bearing deposits | 372,979,000 | 437,157,000 | 440,315,000 | 442,322,000 |
| Noninterest-bearing deposits | 74,507,000 | 86,135,000 | 86,928,000 | 91,080,000 |
| Equity capital | 62,995,000 | 71,134,000 | 70,683,000 | 71,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,917,000 | 19,807,000 | 29,320,000 | 38,572,000 |
| Interest expense | 3,021,000 | 6,739,000 | 9,865,000 | 12,713,000 |
| Net interest income | 5,896,000 | 13,068,000 | 19,455,000 | 25,859,000 |
| Noninterest income | 1,724,000 | 3,698,000 | 5,697,000 | 7,585,000 |
| Noninterest expense | 3,880,000 | 8,619,000 | 12,892,000 | 16,809,000 |
| Provision for loan losses | 180,000 | 420,000 | 630,000 | 970,000 |
| Pretax income | 3,560,000 | 7,857,000 | 11,867,000 | 15,902,000 |
| Income tax | 1,179,000 | 2,538,000 | 3,843,000 | 5,168,000 |
| Net income | 2,381,000 | 5,319,000 | 8,024,000 | 10,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,364,000 | 69,332,000 | 68,037,000 | 68,739,000 |
| Total capital | 67,616,000 | 75,159,000 | 73,894,000 | 74,396,000 |
| Risk-weighted assets | 425,920,000 | 468,665,000 | 470,561,000 | 471,068,000 |